Please help me with a letter

to your regular grocer apologizing for the late payment.

Dear {Mr./Mrs. Name}, I am sincerely sorry for the delay in payment on {loan type}. I apologize for any inconvenience or frustration this caused you. ... I would appreciate it if, considering the circumstances and the fact that this is my first infraction, you would be willing to waive the late payment fee.

sincerly,(you name)

Explanation:

why are you apologizing to the grocery people in the first place?(Just curious)

active voice: my father cut the tree.

passive voice: the tree was cut by my father.

active voice: people buy newspapers every day.

passive voice: newspapers are bought (by people) every day.

active voice: people have been using movies as political propaganda since world war ii.

passive voice: movies have been used as political propaganda since world war ii.

active voice: donna gave me my birthday present.

passive voice: i was given my birthday present (by donna). / my birthday present was given to me (by donna).

active voice: mom will leave the keys on the counter.

passive voice: the keys will be left (by mom) on the counter.

the words in parentheses are the agent of the passive voice and can be omitted when obvious, generic, or simply unnecessary.

there purpose is to entertain